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Notices of Change (NOCs)

A Notice of Change (NOC) is a notification from the receiving bank indicating that information on an originated ACH needs to be corrected. The original transaction still processes — the NOC is a signal to update your records for future transactions. When Treasury Prime receives a NOC for an originated ACH, the following fields are populated on the ACH object:

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Important: Only the Latest NOC Is displayed

If an ACH receives more than one NOC, the noc_change_code and noc_corrected_data fields are overwritten with the most recent values. Previous NOC data is not retained on the ACH object.

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Common Change Codes

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Webhooks

When a NOC is received, the ach.update webhook fires. Subscribe to this event to be notified of changes and take corrective action.
  1. Subscribe to the ach.update webhook.
  2. When an update is received, check noc_change_code and noc_corrected_data.
  3. Update the corresponding counterparty record with the corrected information.
  4. Per NACHA rules, corrections must be applied within 6 banking days of receipt or before initiating another ACH to the same account — whichever is later.
Note: Do not re-send the original transaction. A NOC means the payment was already processed successfully.